Goldman Sachs’ Marcus 14-Month CD Boasts 4.10% APY

GS•2026-07-07

Goldman Sachs’ Marcus online bank is offering a 14-month CD at a top rate of 4.10% APY. Six- to 12-month CDs from leading issuers yield around 4.0% APY, providing competitive returns as deposit account rates decline.

1. 14-Month CD Rate Details

Goldman Sachs’ Marcus online bank offers a 14-month certificate of deposit at 4.10% APY, the highest available rate for CDs today and topping all short-term offerings.

2. CD Market Rates

Certificates of deposit with six- to 12-month maturities currently yield around 4.0% APY, reflecting a decline in deposit account rates yet still outperforming traditional savings accounts.

3. Implications for Goldman Sachs

By promoting a leading CD rate, Goldman Sachs aims to boost retail deposit inflows to its Marcus platform, potentially reducing reliance on higher-cost wholesale funding and supporting net interest margins.

Sources

Best CD rates today, Tuesday, July 7, 2026: Lock in up to 4.10% APY today

Finance

Goldman Sachs’ Marcus 14-Month CD Boasts 4.10% APY

1. 14-Month CD Rate Details

2. CD Market Rates

3. Implications for Goldman Sachs

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Sources

Best CD rates today, Tuesday, July 7, 2026: Lock in up to 4.10% APY today

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